Reply. Hi Melissa: To completely avoid mortgage insurance payments, you would have to put 20% down and it has to be a conventional loan. However, if you go with a conventional loan for your next home, you can take a look at a lender-paid mortgage insurance program like PMI Advantage.
Theoretically, you can become lactose intolerant at any point. While it is true that most people show their intolerance to lactose early in life, people can get it in their teenage years, or even in adulthood. Lactose intolerance is caused by a deficiency in the enzyme lactase in the inner lining of the GI wall.
Itâs possible. Most people experience a gradual decline of lactase (the enzyme that helps your body digest milk products) activity as they age. If dairy isnât sitting with you as well as it used to, try this self-test: Stop consuming dairy products for five days, and on the sixth day, drink a glass of milk. If your symptoms resolve during the dairy-free days and return when dairy is reintroduced, you most likely have developed lactose intolerance.